>> one of the big ideas that marco rubio was talking about, making sure there were a lot more transparency as kids are taking out loans. >> sure. i thought that what was striking by both speeches, we need to reach out to lower-income working americans, and the idea for that, tax cuts for the rich are actually good for them. no substantiative policy change in either speech. it was amazing stuff. >> well, the gop isn't a very difficult position. because the american country has changed and the republican brand and their candidates today don't match where the country is, fundamentally the american electorate looks much different. >> can i -- >> wait a second, mary. fundamentally different than american -- i think they need to stake out a ground that says, we not only look different but we're going to say things different. they have to run against washington and run against wall street. they have to become the party of the middle class, and whether they look at marco rubio or governor christie, their brand has to change to win the election. >> mary? >> you just say that one of those guys don't